Patent Landscape Report on Contactless Payments by PatSeer Pro

CONTACTLESS
PAYMENTS
PATENT LANDSCAPE REPORT BY PATSEER PRO

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© 2018 Gridlogics. All Rights Reserved.
CONTACTLESS PAYMENTS - OVERVIEW
Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other
devices, including smartphones and other mobile devices, that use radio-frequency identification
(RFID) or near field communication (NFC, e.g. Samsung Pay, Apple Pay, Android Pay, Fitbit Pay, or
any bank mobile application that support Contactless) for making secure payments. The embedded
chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the
point of sale terminal. Contactless payments are made in close physical proximity, unlike mobile
payments which use broad-area cellular or Wi-Fi networks and do not involve close physical
proximity.
EMV is a common standard used by major credit card and smartphone companies for use in general
commerce. Contactless smart cards that function as stored-value cards are becoming popular for
use as transit system farecards, such as the Oyster card or RioCard. These can often store non-
currency value (such as monthly passes) in additional to fare value purchased with cash or electronic
payment.
EMV is a global standard for secure debit or credit payments made using chip cards at a merchant
who has an EMV chip-acceptance infrastructure. EMV-compliant chip card payments protect
against the use of counterfeit, lost, or stolen cards and skimming. Issuers, merchants, consumers,
and acquirers/processors can all benefit from EMV. As a result of the EMV fraud liability shift in
October 2015, merchants, issuers, and processors in the United States are in the final stages of
upgrading their infrastructures.
Contactless payment systems are widely used in Asia, Europe, and North America as there are a
number of advantages to users or retailers

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PATENT SEARCH STRATEGY
Using PatSeer, we searched individual publications and then collapsed them to one member per
Invention (Simple Families). Patent families are a group of one or more patent applications in
multiple countries which represent the same invention.
The publications included in the report are updated as of 29th
January 2018.
Summary of Search Results:
 We started with a set of 5384 search results
 We then deduplicated them to unique inventions (Families) and got 2695 Families
 We browsed through the resulting set of record to remove any record that was
irrelevant to the search topic
 We then filtered, analyzed and came across some unwanted terms/Keywords. These
records were then removed from the resulting set.
 We flagged/rated each individual record using Search Recall™ option present in PatSeer
NOTE: All analysis in this report has been done on Simple Family (one member per family) and
so the data in the charts should be construed accordingly.

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TECHNICAL SEGMENTATION (PATENT
CATEGORIZATION)
To know the detail Technical Segmentation image Contact us here:

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INVENTION ACTIVITY
The chart below shows number of application filed and grants given for contactless payments in
the last decade. The chart was generated on overall records (5384 Records).
The filing trend indicates a gradual increase in number of applications being filed after 2010.
Maximum number of patent applications (471) taking/having priority were filed during 2015.
How we did it?
Application and patents with their respective counts were converted to a column chart.

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TOP COMPANIES
The chart below represents top companies active in contactless payment technology and the
number of inventions they have in this space.
It is evident that MasterCard leads the patent count for contactless payments followed by Visa
and Alphabet.

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FILING TREND FOR TOP COMPANIES
 The chart below shows assignee innovation time line for the top 10 Assignees active in
contactless payments
 Ebay appear to be one of the earliest assignees with filings for contactless payments and
one that innovators pursued the longest right till present date. Though there are long
gaps in the timeline from the early days, the recent years have continued to see a lot of
IP activity. Similarly, First Data Corp & Target have visibly shorter timeline with no new
patents since 2015
How we did it?
Once the patents were added to PatSeer Projects, top assignees and innovation time line was generated
within the Quick Stats Tab and converted to a bubble chart.

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RESEARCH ACTIVITY AROUND THE WORLD
The below map represents the geographical filing relating to Contactless Payments. The map
helps provide an indication of where innovation in this area is originating.
United States is the leading country in this field with 1162 families followed by Korea (532) and
China (463). The strength of the coloring represents the proportion of patent applications.
Country Total
US 1162
KR 532
CN 463
JP 80
GB 65
How we did it?
The map was generated using the Priority country tab under the Quick Stats option.

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TREND FOR VARIOUS APPLICATION OVER THE LAST
20 YEARS
 The chart below represents the growth of different applications of contactless payments
for the last 20 years
 Use of contactless payments by the retailers has seen tremendous rise since 2010
surpassing all other applications
How we did it?
First records were classified under different application areas. Then these were added as layer on the
application year chart. The resulting chart was exported as an image. Note that for analysis the records till
2017 were excluded as there is a time gap of 18 months from a records to be published.

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COMPANIES ACROSS DIFFERENT TYPES OF
APPLICATIONS
 The table below shows research activity of companies across different applications of
 MasterCard leads the records count for almost all the applications
 Alphabet has contactless payment application for only retailers and restaurants
How we did it?
First records were classified under different application of contactless payments, and then a co-
occurrence matrix for parent assignees and applications was generated using the co-occurrence tool. The
resulted matrix was then converted to a Heat Map and exported as an image.

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COMPANIES ACROSS DIFFERENT PAYMENT MODES
 The table below shows research activity of companies across different payment modes
of contactless payments
 Most of the top assignees namely MasterCard , Visa and Alphabet are using mobiles,
pos terminals and smart cards as the mode of contactless payments
How we did it?
First records were classified under different payment modes and then using the co-occurrence tool a
matrix was generated for the top assignees and payment modes. The resulted matrix was then converted
to a column chart and exported as an image.

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COMPANIES ACROSS DIFFERENT PROTOCOLS FOR
CONTACTLESS PAYMENTS
 The heat map below shows research activity of companies across different protocols
used for contactless payments
 Alphabet is more into Peer to Peer and contactless front end protocols
 Inspite of being the top assignee for contactless payments MasterCard has lesser focus
on the protocols used for contactless payments
How we did it?
First records were classified under different protocols used for contactless payments; a matrix was then
generated for the top assignees and different protocols using the co-occurrence tool. The resulted matrix
was then converted to a Column Heat map.

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COMPANIES ACROSS DIFFERENT TECHNOLOGIES
 The map below shows research activity of companies across different technologies used
for contactless payments
 NFC and RFID are the most commonly used technologies
 Target SRL is only into RFID
How we did it?
First records were classified under different classification technologies for contactless payments, and then
a co-occurrence matrix for assignees and those technologies was generated using the co-occurrence tool.
The resulted matrix was then converted to a Tree Map and exported as an image.

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COMPANIES ACROSS DIFFERENT PAYMENT
TRANSACTION MODELS
 The heat map below shows research activity of companies across different payment
transaction models for contactless payments
 MasterCard primarily uses Track1-2 Data as a transaction model for contactless
payments
 Intellectual Ventures which is a major NPE has records for Speedpass and track1-2 data
through its subsidiary III Holdings 1, LLC
How we did it?
First records were classified under transaction models used for contactless payments, and then a co-
occurrence matrix for assignees and transaction models was generated using the co-occurrence tool. The
resulted matrix was then converted to Row Heat Map and exported.

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APPLICATIONS ACROSS DIFFERENT TYPES OF
TECHNOLOGIES
 The chart below shows the different types of technologies used in various contactless
payment applications
 NFC and RFID are widely used technologies across all the applications
 Magnetic Secure transmission is only used in medical and retail applications
How we did it?
First records were classified under various applications and technologies and then a co-occurrence matrix
for the same was generated using the co-occurrence tool. The resulted matrix was then converted to a
bar chart and exported as an image

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WHERE ARE RESEARCH TEAMS OF TOP COMPANIES
BASED THEIR TECHNOLOGY FOCUS
 The chart below shows leading companies across priority countries and different
technologies
 MasterCard and Visa have new filings originating from almost all the top priority
countries
How we did it?
First records were classified under different technology areas and then under the Quick Stats option
layers for top 5 priority countries were added on the parent assignees chart. Stacking option was used to
stack the two parameters. The resulting image was then exported as image

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INVENTOR GROUPS OF TOP COMPANIES FOR
CONTACTLESS PAYMENT
The generated maps below highlight the key inventor groups of top five companies. In map
below the groups are created using network relationships between the Assignees and the
inventors listed on the graph
Key inventors present in the map, for instance, Maw Brian is highlighted as red as he has filings
for both MasterCard and Visa. Hence it is in between the two respective clusters. Similar is the
case with Jonathan Wall who has filings for Alphabet and Bizmodeline
How we did it?
Using the VizMAP tool, patents of top five companies were loaded on the map. These were then
expanded by their respective inventor names. The VizShade option was used to shade the inventors and
assignees with potential overlapping patents between them.

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TECHNOLOGY LANDSCAPE FOR CONTACTLESS
PAYMENTS
The landscape map below represents key concepts for different companies generated across
title, abstract and claims. Themes are collection of prominent topics extracted from the patent
data and grouped under relevant parent tags.
Clusters for payment amount or QR code and transaction terminal device are together as both
the clusters are relating to a transaction provider terminal and there is high degree of relevance
with respect to the text.
How we did it?
The VizMAP tool in PatSeer Pro was used for this analysis. First the clusters were generated on title,
abstract and claims using the Advanced Clustering option. Once the clusters were generated these were
loaded using the Landscape mode and then the themes were colored by record type.

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CITATIONS ANALYSIS FOR GEMALTO
Gemalto’s latest generation of contactless cards, with optimized chips and operating systems,
provides high level security and best-in-class performance and transaction times.
It offers a full range of contactless payment cards based on two technologies:
1. Dual-interface: for EMV markets with one chip containing both a contact and a
contactless interface.
2. New form factors: new contactless form factors such as stickers, tags and wearable’s
increase opportunities for contactless payment and give consumers fun ways to pay.
They use the same operating systems and applications as cards, enabling a consistent
approach and easy implementation.
This contactless portfolio is fully certified by the major payment associations and conforms with
Visa payWave, MasterCard PayPass and Mchip Advance, American Express ExpressPay, JCB
J/Speedy specification, China Union Pay PBOC (Popular Bank of China) and Discover Financial
Services (Diners).
The following chart shows the forward citations for Gemalto

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The chart below shows the backward citations for Gemalto
How we did it?
For citation analysis, first a group was created for all the records of Gemalto. The created group was
selected and analyzed using the Citation Analysis option.

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COMPANY SPOTLIGHT
The Companies included here are:
1. GEMALTO
2. GIESECKE & DEVRIENT GMBH
3. VERIFONE SYSTEM INC
4. ON TRACK INNOVATIONS LTD
5. HEARTLAND PAYMENT SYSTEM INC
6. INGENICO SA
INNOVATION TIMELINE
 The chart below shows the innovation timeline representing patenting activity for
 On Track Innovation had its first filing in the year 1999, but their filings have dropped in
the last five years
How we did it?
Once the patents were added to PatSeer Projects, key assignees were filtered and a filter set was created
for the same. Then from the Quick Stats Tab innovation timeline was generated and converted to a
bubble chart.

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INNOVATIONS ACROSS DIFFERENT TECHNICAL
SEGMENTS OF CONTACTLESS PAYMENTS
 The chart below shows number of patents held by key companies across various
technology segments and applications of contactless payments
How we did it?
First key companies in contactless payments were identified by online review and these were analyzed
with respect to the technical segmentations for contactless payments. The resulting matrix was the
converted to a tree chart and the chart was exported as an image.

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KEY COMPANIES ACROSS PAYMENT MODES
 The key company activity across different payment modes used for contactless
payments
 Smart Cards are popularly used as a mode of payment by all the key companies except
Heartland payment systems
How we did it?
Once the patents were added to PatSeer Projects, key assignees were filtered and a filter set was created
for the same. Co-occurrence analyzer was used to generate a matrix for key companies and payment
modes. The resulted matrix was then converted to a column chart and exported as image.

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KEY COMPANIES SUMMARY REPORT
 The chart below shows summary report for key companies with respect to the tech
domain, Publication country and the legal status
How we did it?
First key companies in contactless payments were identified by online review and these were filtered
from the Apply Filter option present. Once this was done then Summary Report option was selected.
Then under “generate report for” option companies (under custom fields) option were selected.
Parameters required for analysis were selected from the option “Patent Fields” and the resulting chart
was generated and then exported as an image.

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SUMMARY
This report analyzes research trends of contactless payments with a focus on Technologies,
payment modes, protocols, transaction models, applications and also highlights the key
companies involved in this space.
Upcoming trend in the retail payment circuit is the contactless payments. These are used widely
in Asia and America and Europe. As we have seen in this report multiple technologies might be
used to implement contactless payment systems. The choice of an appropriate technology is
driven by issue such as what type of payment mechanism the technology supports.
Then the payments also depend on the transaction models used for payments. These models
are then based on the backend infrastructure used.
Increasing number of payment application is moving towards contactless payment technology.
Applications range from toll collection, retail purchases and so on. The benefits of contactless
payment for consumers and retailers have been proven in various implementations. Increased
convenience for the consumer has resulted in widespread acceptance of the technology.
Inspite of the wide applications there is no single technology used for contactless payments.
Several technologies are being used by different retailers. For example some are using RFID and
others are using smart cards.
To get this project shared with you via PatSeer’s Patent Dashlet and to obtain access of dataset
behind this report, Contact us here:

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ABOUT PATSEER PRO
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landscaping and competitive intelligence projects such as Assignee cleanup tools, Co-occurrence
Matrices, configurable Chart Dashboards, multi-generation Citation Analysis, Text Clustering and
VizMAP – a spatial exploration and
contour mapping visualization engine.
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